How to Avoid Credit Card Fraud & Identity Theft
The online marketplace has been familiar territory for most of us for years now. You may have noticed that everyone from your young child to your grandmother is now able to master ordering books, gadgets, and even online movies through Amazon these days. As we all become savvier though, so do individuals with unscrupulous intentions. Credit card fraud and identity theft issues are anything but under control—with both continuing to become growing problems; in fact, the Federal Trade Commission reports that today identity theft is the number one issue about which they receive complaints.
It’s important to understand where you are most vulnerable for fraud, and to know how to protect yourself. While there are still many thieves out there operating at the base level picking pockets or snatching purses, a new digital area of convenience has brought about countless phishing scams, card skimming operations, and more. Because of this, protecting your personal information is imperative.
Here are some basics that should help you from becoming a victim of fraud:
- Be very careful about giving out your social security number! Often you may be asked for this as if it is completely routine. Ask if it is mandatory, and why.
- Give away as little information online as possible, from filling out applications and surveys, to discussing too many details on social media. You’d be amazed out how much others can glean just through Facebook—and through Google.
- Always cover the keypad when keying in an ATM or debit card PIN number.
- Change online passwords often, and make them strong.
- Keep an eye on your credit report. This is a good idea for numerous reasons if you are working on your credit score, but it’s important to routinely weed out the errors and check for any information that could indicate fraud, such as other cards being taken out in your name.
- Buy a shredder. This is a cheap, easy way to keep confidential information to yourself. Once you are finished with any paperwork that has personal information in it, shred away!
- Keep physical documentation and valuables locked up or in a safe deposit box.
Criminals tend to be opportunistic, looking for simple targets. Don’t make it easy for them to get to your information or credit card number (or PIN). Keep all personal gadgets such as phones and computers away from strangers.
Are you concerned about credit card fraud or related issues? If so, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you. Our attorneys have decades of experience representing clients in all types of consumer rights matters, and we are here to help you! Call us today for a free consultation at (855) 709-5788, or email us at firstname.lastname@example.org.
Posted in: Scams